Free factsheet: EIS at a glance

Seed Enterprise Investment Scheme

SEIS in a nutshell

Help start-up companies get off the ground and for every £1 you invest, save up to 64p in income and capital gains tax. You also qualify for IHT exemption, potentially saving up to another 40p per £1 you invest.

New! Introducing Octopus Choice

Earn 5%* p.a. - no fixed term - ask to withdraw your money at any time

Tired of measly returns on cash? Happy to take some risk? Octopus Choice could be an answer. Earn higher interest – invest alongside Octopus in loans backed by bricks and mortar. Quick and easy. No fixed term (instant access not guaranteed).

Why consider investing?

Around 5% p.a.* paid out every month (variable and not guaranteed). Invest from £5,000 to £2 million

Invest your own or your company's money

Loans secured against bricks and mortar - in case of default, you have first charge on the assets

No fixed term - you can ask to withdraw the money at any time but instant access is not guaranteed

Low loan to value - 62% on average and maximum 70%

Diversification - Octopus aims to spread your money across 40 loans, with maximum 5% in each

Strong track record - Octopus has made nearly 3,500 loans for over £2 billion and lost less than 0.1% since 2009. Past performance is not a guide to the future

What to watch out for?

*Your actual return could be higher or lower, depending on how much and when you invest, and how the loans in your portfolio perform. All interest is paid gross – the tax due depends on circumstances and may change in future.

Octopus Choice is not covered by the Financial Services Compensation Scheme. Neither your capital nor interest are guaranteed, so you could get back less than you invest. In addition, although you can ask to withdraw your money at any time, Octopus cannot guarantee instant access. Before investing you should download and read carefully the Octopus Choice Brochure, Terms and Conditions and Risk Statement.

Wealth Club aims to make it easier for
experienced investors to find information on – and apply for
– tax-efficient investments. You should base your investment decision on the
provider's documents and ensure you have read and fully understand them before
investing. This review is a marketing communication. It is not advice or a
personal or research recommendation to buy the investment mentioned. It does
not satisfy legal requirements promoting investment research independence and
is thus not subject to prohibitions on dealing ahead of its dissemination.

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Important Notice

This website is directed exclusively at, and intended to be used only by, persons in the UK who will be required to self-certify as Sophisticated Investors or High Net Worth Individuals before applying to invest in any of the products featured. It is not directed at any person where (by reason of nationality, residence, domicile or otherwise) the usage of the website is prohibited.

The investment products on this website are not for everyone. They are generally higher risk and require a longer investment term. You may get back less than you invest. It is therefore important that you understand the Risks and Commitments of these products.

We’ve made every effort to ensure the accuracy of the material on this website, but cannot guarantee its accuracy or currency. It reflects our understanding of current product and tax rules, which may change in future. It is for general information only and should not be regarded as constituting an offer or a solicitation to buy or sell any securities, or as investment or tax advice. If you are in any doubt as to the suitability of the products for your circumstances, please seek specialist financial or tax advice.

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